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Can A College Student Get A Credit Card In India?


Yes, there are many banks which provide a credit card to students to meet their needs during their college life. These cards are provided to students who are above the age of 18 and pursuing their graduation or post graduation.

As credit cards allow students to spend way beyond their limits, but it will help them to plan and manage their card smartly. However, one can set a maximum limit usage on the card.


There are different types of credit card available in the market based on the eligibility and requirement.

Can A College Student Get A Credit Card In India?

How can a student a credit card in India?

There are three ways to get a student credit card

Credit cards against fixed deposit

Generally, a bank will students to open a fixed deposit of a certain amount of which they can avail credit card. The limit on the card will depend on a number of fixed deposits.

Add-on card

Individuals who already have a credit card and have financial dependents can make the best use of these cards as loved ones need not depend on them for any financial transaction.

3) Savings account

Hardly few banks provide credit card against savings if the customers have a strong saving history with the bank.

What are the documents needed to apply for student credit cards?

  • Date of birth certificate
  • Proof of residential address,
  • Students I-card issued by the college
  • 2 Photograph

Documents may vary depending on the bank.

What are the basic features of student credit cards?

  • No joining fees
  • Low monthly credit limit
  • Minimum documentation
  • Credit history is not considered
  • Low-interest rates


Student credit card will benefit students who stay away from parents for higher education. However, one has use the card wisely to make best use of it.

Read more about: credit card
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